Why is Star Cardiac Care Health Insurance Policy a Good Option?

The star cardiac Health Insurance policy has given a solution to people who have faced the trauma of surgery and financial drain know the actual pain. There are so many reasons that an increase in cardiac disease is found. One of the main reasons is lifestyle and stress. Our body is machinery, it always gives alarms before something major happens, some of the alarming signs of heart attack are shortness of breath, chest pain, pain in the left arm, high heart rate. The star cardiac Health Insurance policy has given a solution for this. It is a good option.

ELIGIBILITY

Persons aged between 10 years and 65 years who have undergone any of the following

1. Percutaneous Transluminal Coronary Angioplasty (PTCA) / Coronary Artery Bypass Graft (CABG) within 7 years period prior to proposal
2. Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected
3. Patent Ductus Arteriosus (PDA) that has been treated
4. RF Ablation or RF Ablation done to correct the underlying cardiac condition
5. Had an Angiogram done but no intervention was medically found necessary

BENEFITS

1. 15 days free look period is available.
2. No pre Diagnostic Test
3. Cashless Hospitalization
4. Direct in house settlement
5. No Third-Party Administration

Scope of cover

Individuals between age 10 years up to 65 years of age with a history of cardiac ailments (undergone PTCA or CAGB) can be covered under the policy on an individual basis.

Note: For an individual to get covered under the policy, he/she should have undergone PTCA or CAGB within 4 years before buying the policy.

A pre-policy medical check-up is applicable for any individual opting for this health insurance policy.

POLICY COVERAGE

Section 1:Hospitalization Cover

1. 30 days pre-hospitalization expense
2. Post Hospitalization Expenses up to 5,000/-
3. Ambulance facility
4. Daycare expense
5. For the policy of more than 48 months, pre-illness can also be claimed.

 Section 2:Hospitalization Cover for Cardiac Ailments.

Treatment-related to cardiac diseases is covered once the waiting period of 90 days is completed.

 Section 3:Cover for Outpatient medical expenses.

The treatment cost is  known as outpatient medical expenses

Section 4:Personal accident cover

If the insured sustains an accident that leads to accidental death within 12 months from the date of the incident, the insurance company will compensate according to the policy terms and conditions.

POLICY EXCLUSIONS

1. Sexually transmitted diseases
2. War injuries
3. Substantive abuse
4. Hearing Impairments
5. Experimental treatments
6. Cosmetic surgeries
7. Change of gender treatment
8. Obesity/ weight control
9. Intentional self-injuries
10. Refractive error
11. Unproven treatments
12. Plastic surgery

POLICY RENEWAL

1. Renewal shall not be denied on the bottom that the insured had made a claim or claims within the preceding policy years

2. Request for renewal alongside requisite premium shall be received by the corporate before the top of the policy period
3. At the top of the policy period, the policy shall terminate and may be renewed within the Grace Period of 30 days to take care of continuity of advantages without break in policy
4. Coverage isn’t available during the grace period
5. No loading shall apply on renewals supported individual claims experience.

6. The corporate shall endeavor to offer notice for renewal. However, the corporate isn’t under obligation to offer any notice for renewal

WITHDRAWL  OF POLICY

Within the likelihood of this product being withdrawn in the future, the corporate will intimate the insured person about an equivalent 90 days before the expiry of the policy insured Person will have the choice to migrate to similar insurance product available with the corporate at the time of renewal with all the accrued continuity benefits like cumulative bonus, waiver of the waiting period as per IRDAI guidelines, provided the policy has been maintained without a break on individual claims experience